Apartment & Residential Building Insurance
One building, many households — cover the structure, the common areas and the liability that comes with them.
We compare 9+ of Kenya's top insurers so you get the best cover at the lowest price.
Apartment building insurance covers the whole residential structure — the fabric of the building, its common areas, lifts and shared services — against fire and perils, together with the owner's or management company's liability, and optionally the rental income the units generate.
Why you need it
An apartment block multiplies everything: one fire affects dozens of households, one lift accident is a liability claim, one burst riser floods six floors. The building's owner or management company carries that concentrated risk on behalf of everyone who lives there.
We insure the building as a single risk — structure, staircases, lifts, parking, perimeter and shared services — with liability for the common areas and loss-of-rent options for let units. For managed blocks we structure the policy so service-charge budgeting is predictable and claims don't stall on ownership questions.
What's covered
Structure & common areas
The building fabric, staircases, lifts, corridors, parking and boundary walls against fire and insured perils.
Shared services
Water systems, pumps, generators, solar and security installations.
Liability
Injury to residents, visitors and workers in the common areas.
Rental income
Optional loss-of-rent cover for tenanted units.
Who this is for
- Owners of apartment blocks and serviced residences
- Management companies and residents' associations
- Developers holding completed units for rent or sale
- Investors with whole floors or multiple units in one building
Why arrange it through Naveah Capital?
Property risk is priced very differently from one insurer to the next — construction type, occupancy and claims record all move the premium. As an independent, IRA-licensed broker we place your risk where the terms are strongest across 9+ of Kenya's leading insurers, set sums insured at true reinstatement value so claims pay in full, and manage every claim from notification to settlement. It costs you nothing extra, and it's how our clients reach a 97% claims success rate.
Frequently asked questions
Who insures an apartment block — owners or the management company?
Usually the management company or landlord insures the structure and common areas, with the cost shared through service charges. Individual owners insure their own units' contents. We help set the split correctly.
Is the building's water damage covered?
Burst pipes and water tank/riser failures are standard insured perils on residential building policies — one of the most frequent claims in Kenyan blocks.
Can we include the workers we employ?
Yes — caretakers, cleaners and security staff employed by the building should be covered under WIBA, which we arrange alongside the building policy.
Ready to protect the asset?
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IRA Licensed
KSB Member
Reviews 4.9
97% Claims Success
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